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Underwriting is becoming a bit of a nightmare with lenders seemingly running out of money. It’s all very frustrating as I have loads of enquiries and proposals but far too many are being declined for credit, a situation that will only get worse. Applicants need to take more care over their credit and avoid any adverse or suffer the very severe consequences. Also consider the amount you are prepared to pay up front Read more »

Fuel is coming down, the sun is shining and the banks are lending again. Well 2 out of three can’t be bad! I think the email from the Government to the banks must have got lost in cyberspace somewhere or maybe they sent it in the post without a large letter stamp attached. Either way I am still waiting, as are most in the finance industry, for the glimmer of light that suggests that Chancellor Brown oops I mean Darling did the right thing for us common people or whether things will continue to deteriorate. The annoying thing is Read more »

Avis Valet Services have been giving out some great tips for motorists looking to take better care of their car without spending a fortune. The suggest the following:

• Mayonnaise can be good at removing road tar stuck to tyres and paintwork.

• Try using cooking oil on tyres and paintwork to remove black marks left by stubborn brake dust on wheel arches. It’s also great for removing bird droppings or splattered bugs on your windscreen.

• Baking soda is excellent for lifting any kind of stain or mark, just dab the interior and leave for 20 mins before rinsing off. Leaves a fresh smell as well.

• Use white vinegar on windscreens for crystal clear visibility as vinegar stops dust and smells collecting on the glass.

• Wrap an ice cube in a cloth or pop some in a freezer bag and hold over chewing gum stuck to car seats or carpet. The gum will eventually snap off leaving no sticky residue.

• Linseed oil – this can be used to clean leather upholstery in you car as it cleans and softens at the same time.

• Sticky tape – use this to remove any hidden dust particles from seat fabric. The tape lifts the dust whereas a brush would simply push it in deeper.

 
So there you have it some interesting advice from Avis so blame them and not me if anything goes wrong. By Graham Hill

Much has been written recently about ‘wholelife costs’ when comparing purchase methods to leasing of cars because the one most important element of the equation is the value of the car in 2 or 3 years time. The problem is that most people are far too optimistic and this throws the whole calculation out of kilter. Take for example a Renault Scenic 1.6 Dynamique S costing £18,000 including metallic paint. In a straw poll I asked several people what they thought the car would be worth in 3 years time on average mileage. Their estimates ranged from Read more »